# Grow Credit vs First Progress

The clearest difference is rating: Grow Credit at 4.8 against First Progress's 1.7. Grow Credit also leads on review sentiment (48% vs 6%) and ratings volume (10K vs 147). First Progress's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 15.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Grow Credit holds the better App Store score, 4.8 against 1.7. That said, the two scores are not equally well evidenced: Grow Credit has 10K ratings behind it against 147, so its average is the more settled of the two. Written reviews point the same way: 48% of Grow Credit's written reviews are positive against 6% of First Progress's.

Grow Credit ships an update fortnightly, First Progress monthly. The most recent releases landed on September 29, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | Grow Credit | First Progress |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (10K ratings)](https://appshunter.io/ios/app/grow-credit/id1482246872/reviews)** | [1.7 (147 ratings)](https://appshunter.io/ios/app/first-progress/id1589075027/reviews) |
| Number of ratings | **10K** | 147 |
| Positive reviews | **47.7% of reviews** | 5.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 84 MB | 226 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Grow Credit](https://appshunter.io/developer/1482246516) | [Vervent, Inc](https://appshunter.io/developer/1574751568) |

## What reviewers say

### Grow Credit

[App page](https://appshunter.io/ios/app/grow-credit/id1482246872)

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

**Highlights:** Build credit using subscriptions, No prior credit history required, Reports to all three credit bureaus, Free FICO score access, Credit education resources, Grow MasterCard

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful for building credit
- 🚀 Easy to set up and use
- 💡 Convenient way to pay subscriptions
- 🚀 Quick credit score improvements
- 👍 Good customer service

**What reviewers complain about**

- 🐛 Inconsistent payment processing
- 🔒 Difficulty changing payment methods
- 🐛 Inaccurate credit reporting
- 🔒 Lack of transparency
- 🐛 Buggy app experience

**Reported bugs**

- Late payment reporting despite on-time payments
- Difficulty closing accounts
- Payments not processing correctly

**Requested features**

- Increase credit limits
- Allow payment of more subscription types
- Provide phone support
- Improve app stability and user experience


### First Progress

[App page](https://appshunter.io/ios/app/first-progress/id1589075027)

Manage your credit card account securely and conveniently on the go. Make payments, view transaction history, monitor your credit limit, and redeem rewards. Access your account details anytime, anywhere.

**Highlights:** Manage account anytime, anywhere, Make secure payments, View transaction history, Monitor available credit limit, Redeem rewards

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 🚀 Fantastic
- 💡 No chip on card

**What reviewers complain about**

- 🐛 App crashes
- 🐛 App doesn't work
- 🐛 App payment not working
- 🐛 App unreliable
- 🐛 Difficult to make payments

**Reported bugs**

- App crashes when trying to log in
- App doesn't allow creating an account
- App doesn't work
- App freezes
- App forgets user credentials

**Requested features**

- Improve app functionality
- Implement auto-pay
- Provide better payment options


## Frequently asked questions

### Is Grow Credit free?

Grow Credit is free to download, with no in-app purchases.

### Is First Progress free?

First Progress is free to download, with no in-app purchases.

### Which has better reviews, Grow Credit or First Progress?

Grow Credit is rated higher. Grow Credit averages 4.8 out of 5 from 10K ratings, while First Progress averages 1.7 from 147 ratings.

### Do Grow Credit or First Progress have ads?

Neither Grow Credit nor First Progress shows ads.

### Which is updated more often, Grow Credit or First Progress?

Grow Credit ships an update fortnightly, and First Progress monthly. Most recently, Grow Credit was updated on September 29, 2026 and First Progress on September 28, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*